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Stakeholders in the financial services sector are already acutely aware of the developing trend of consumers instigating financial mis-selling claims against them.

In this White Paper we consider the background behind the increasing number of mortgage mis-sale claims relating to residential mortgages, how these claims are typically formulated and what lenders can do to prepare.

With the result of the Civil Procedure Rules Committee’s consultation on the form of a specific pre-action protocol for debt claims eagerly awaited and following the introduction of the Practice Direction on Pre Action Conduct and Protocols which came into force on 6 April 2015, keeping up with changes in this area of law is no easy task.

Unintended consequences and the potential impact on the credit and debt market

The proposed EU data protection legislation threatens to change fundamentally the way lending decisions can be made. In this white paper, we consider the unintended consequences of the proposed legislation and the potential impact on the UK’s credit and debt market.

A significant Court of Appeal case, won by Optima Legal, has given lenders a clearer sense of their position when accepting mortgage payments from third parties.

As pressure mounts on personal finances, it may not come as a shock that banks and building societies receive many thousands of mortgage payments every day from someone other than the contracted borrower.